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Inquiry

Fetch the latest status of a card payment by reference.

Useful for:

  • Checking on a transaction after a 3DS redirect if no postback has arrived
  • Retrieving c_token and customer.id (cref_) after a tokenization flow completes
  • Confirming a direct charge's final outcome
  • Reconciling authorized-but-not-yet-captured transactions

If a payment was initiated with capture=false, the initial status stays Authorized until Capture is called.

Endpoint​

MethodPOST
Path/cards/inquiry
Sandboxhttps://sandbox.simpaisa.com/cards/inquiry

Headers​

HeaderValue
client-idYour Client ID (e.g. YOUR_CLIENT_ID)
Content-Typeapplication/json
merchantIdYour unique merchant ID (e.g. YOUR_MERCHANT_ID)
modecards
regionPK
versionV5

Request Body​

ParameterRequiredDescription
request.referenceYesReference of the transaction to inquire about
signatureYesRSA signature of the request object

Response Body​

ParameterDescription
response.idUnique payment ID
response.action_idUnique action ID
response.amountTransaction amount
response.currencyCurrency code
response.approvedWhether the payment is approved
response.statusPending, Authorized, Captured, Tokenized, or Declined
response.response_codeTransaction outcome code
response.response_summaryHuman-readable outcome
response.transaction_state.AUTHORIZATION_STATUSPENDING, SUCCESS, or FAILED
response.transaction_state.CAPTURE_STATUSPENDING, SUCCESS, or FAILED — absent for zero-amount tokenization
response.referenceReference from the request
response.transaction_idSimpaisa transaction ID
response.c_tokenPresent once a tokenization or direct-charge transaction reaches a terminal state
response.payment_typeonetime, tokenization, or directcharge — absent for plain onetime transactions in some responses
response.customer.idSimpaisa-generated cref_
signatureRSA signature of the response body

Samples​

Onetime payment, capture: "false", after 3DS but before Capture is called:

Request​

curl --location 'https://sandbox.simpaisa.com/cards/inquiry' \
--header 'client-id: YOUR_CLIENT_ID' \
--header 'merchantId: YOUR_MERCHANT_ID' \
--header 'mode: cards' \
--header 'region: PK' \
--header 'version: V5' \
--header 'Content-Type: application/json' \
--data-raw '{
  "request": { "reference": "h388-1782917244521" },
  "signature": "YOUR_SIGNATURE"
}'

Response​

{
  "response": {
    "id": "pay_357168b8f7134d28b009ec73a0",
    "action_id": "act_24d8aa4516a8486b9ea3fada05",
    "amount": "20.0",
    "currency": "PKR",
    "approved": "true",
    "status": "Authorized",
    "response_code": "10000",
    "response_summary": "Approved",
    "transaction_state": {
      "AUTHORIZATION_STATUS": "SUCCESS",
      "CAPTURE_STATUS": "PENDING"
    },
    "processed_on": "2026-07-01T14:48:02Z",
    "reference": "h388-1782917244521",
    "transaction_id": "3282"
  },
  "signature": "YOUR_SIGNATURE"
}